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  • ASTRA STRATegy And ASTRA CeleSTiA FundS A strategy to guide you through a world of possibilities

    BRA1249A (2011-11)

    MonTReAl SAleS oFFiCe 1200 Papineau Avenue, Suite 460 Montreal QC H2K 4R5 Tel.: 514-521-7365 • 1-800-361-8100 Fax: 1-866-606-2764

    ToRonTo SAleS oFFiCe 110 Sheppard Avenue East, Suite 500 Toronto ON M2N 6Y8 Tel.: 1-888-900-3457 Fax: 1-866-559-6871

    QuebeC CiTy SAleS oFFiCe 1245 Chemin Sainte-Foy, Suite 210 Quebec QC G1S 4P2 Tel.: 418-650-3457 • 1-888-900-3457 Fax: 1-866-559-6871

    ClienT SeRviCeS P.O. Box 10510, Stn Sainte-Foy Quebec QC G1V 0A3 Tel.: 1-800-320-4887 Fax: 1-866-559-6871

    [email protected] www.investment.ssq.ca

  • ASTRA STRATegy FundS And ASTRA CeleSTiA FundS

    Every investor knows how important it is to carefully choose investments based on savings objectives. Usually this involves skillfully diversifying the different asset classes and selecting the top performers from among the many funds and money managers available. This time-consuming and exacting task may have a significant impact on your financial future.

    However, to help simplify this task, SSQ Financial Group has created ASTRA Strategy Funds and ASTRA Celestia Funds. These two products offer a choice of carefully selected funds combined to match your investor profile, rebalanced regularly and monitored by specialists… so that you don’t have to!

    Get top money manaGers workinG for you!

    Conservative strategy Celestia Conservative

    BalanCed strategy Celestia BalanCed

    growth strategy Celestia growth

    aggressive strategy Celestia aggressive

    aBout ssQ financial Group With over $2 billion in annual revenue and more than $7 billion in assets under management, SSQ Financial Group is a leading mutual diversified financial institution. The Group serves over one million customers and provides jobs to over 1,600 employees. SSQ Financial Group is renowned among other things for its vitality and expertise in the investment and retirement sector.

    Eight different funds are available, so you won’t have any trouble finding the ones that correspond perfectly with your investment needs.

    Unless you prefer to control every investment decision yourself and monitor financial markets every single day, then you have everything to gain by investing in our portfolio of funds.

  • ASTRA Strategy Funds and ASTRA Celestia Funds combine different asset classes so you can find the asset mix that’s just right for your investor profile

    To perform well, a portfolio must contain different types of investments to be able to take advantage of the best market opportunities. This is why ASTRA Strategy Funds and ASTRA Celestia Funds invest in fixed income securities and Canadian, U.S. and international equities in different proportions to meet your financial needs. To further diversify their content, ASTRA Celestia Funds also invest in specialty asset classes. The allocation of investments is re-balanced quarterly to ensure that you reach your savings objective. It’s like having your very own investment specialist taking care of your portfolio!

    Re-balancing is the periodic readjustment of the number of units in each fund to ensure that the target allocation continues to be respected, despite variations in the value of units making up the portfolio. Therefore, the allocation according to your investment objectives remain stable.

    ASTRA Strategy Funds and ASTRA Celestia Funds allow you to invest in an assortment of carefully selected funds with one easy purchase

    The investment funds available on the market are constantly changing, sometimes making it hard to sift the wheat from the chaff. But by including a number of underlying funds managed by experts in our ASTRA Strategy and ASTRA Celestia Funds, SSQ does the sifting for you. We make sure that we select investment managers with complementary management styles. We also make sure that they respect their mandate and remain the frontrunners in their field. When you invest in ASTRA Strategy Funds and ASTRA Celestia Funds, you have access to institutional investment managers that are not generally available to individual investors because they are usually reserved for pension funds. Wishing to offer you quality investments similar to those selected by large pension fund managers, ASTRA Celestia Funds contain a proportion of specialty investments with non-traditional asset classes unlike any to be found in other funds on the market.

    Specialty investments, for example, real estate, commodities (oil or wheat) or infrastructure, offer high growth potential.

    ASTRA Strategy Funds and ASTRA Celestia Funds allow you to diversify your portfolio effortlessly according to your needs

    The safest way to ride out any unexpected fluctuations in your investments is to diversify your portfolio. It’s possible to reduce financial risk by selecting an assortment of asset classes that won’t necessarily evolve in the same direction at the same time. This is why the asset classes in ASTRA Strategy Funds and ASTRA Celestia Funds are not only diversified, but the managers are selected based on their complementary management styles. With a single investment, you can obtain everything you need to make your savings grow.

    The advantage of having a number of different managers in the same portfolio is that each will make the best decision possible based on their field of expertise and management style. This way if one doesn’t perform so well in a given period, the others will compensate and in doing so, lower the overall portfolio risk.

    ASTRA Strategy Funds and ASTRA Celestia Funds 2

  • ASTRA STRATegy FundS

    ASTRA Strategy Funds are balanced funds that are suitable for all investor types. They include all main asset classes so that you can benefit from the growth potential of each type of investment. These assets are managed by specialized investment managers recognized in the industry for their expertise.

    The ASTRA Conservative Strategy Fund and the ASTRA Celestia Conservative Fund are ideal for conservative investors looking to minimize exposure to risk but still benefit from higher returns than Guaranteed Interest Accounts (GIAs) can offer. For that, these investors are prepared to tolerate a certain degree of investment volatility. They generally have a short-term investment perspective.

    Conservative strategy

    Bonds 65% Canadian Equity 25% Foreign Equity 10%

    Managers Hexavest, McLean Budden, Jarislowsky Fraser

    Celestia Conservative

    Bonds 60% Canadian Equity 12% Foreign Equity 16% Specialty Funds 12%

    Managers Carnegie, Eterna, Fiera Sceptre, Greystone, Hexavest, Jarislowsky Fraser, Jefferies, Lazard, McLean Budden, Pro-Financial

    The ASTRA Balanced Strategy Fund and the ASTRA Celestia Balanced Fund appeal to moderate investors looking for a compromise between investment security and performance, and between capital preservation offered by fixed-income securities and the long-term growth potential of the stock market. To reach their financial goals, they know they have to accept some investment volatility. They are generally looking for a short- to medium-term investment perspective.

    BalanCed strategy

    Bonds 45% Canadian Equity 35% Foreign Equity 20%

    Managers AlphaFixe Capital, Carnegie, Fiera Sceptre, Greystone, Hexavest, Jarislowsky Fraser, McLean Budden

    Celestia BalanCed

    Bonds 40% Canadian Equity 21% Foreign Equity 24% Specialty Funds 15%

    Managers Carnegie, Eterna, Fiera Sceptre, Greystone, Hexavest, Jarislowsky Fraser, Jefferies, Lazard, McLean Budden, PIMCO, Pro-Financial

    3 ASTRA Strategy Funds and ASTRA Celestia Funds

  • ASTRA CeleSTiA FundS

    ASTRA Celestia Funds are balanced funds that are suitable for all investor types. They focus more on foreign equity and include a significant portion of specialty asset classes like real estate, infrastructure and commodities. These specialty assets, like other assets in these funds, are managed by firms that specialize in pension funds and are usually not available for individual investors. ASTRA Celestia Funds have the potential to decrease the volatility of your portfolio in the long term and increase your returns due to their diversification.

    The ASTRA Growth Strategy Fund and the ASTRA Celestia Growth Fund will appeal to dynamic investors wanting to maximize long-term capital growth while maintaining a certain degree of capital preservation. To do so, they are prepared to tolerate a greater degree of investment volatility. These investors are generally interested in long-term investment perspective.

    growth strategy

    Bonds 30% Canadian Equity 45% Foreign Equity 25%

    Managers AlphaFixe Capital, Carnegie, Fiera Sceptre, Greystone, Hexavest, Jarislowsky Fraser, McLean Budden

    Celestia growth

    Bonds 25% Canadian Equity 24% Foreign Equity 30% Specialty Funds 21%

    Managers Carnegie, Eterna, Fiera Sceptre, Greystone, Hexavest, Jarislowsky Fraser, Jefferies, Lazard, McLean Budden, PIMCO, Pro-Financial

    The ASTRA Aggressive Strategy Fund and the ASTRA Celestia Aggressive Fund are perfect for bold investors who want to maximize long-term capital growth and take full advantage of stock market opportunities. To do so, they are prepared to tolerate a high level of investment volatility and are generally looking for long-term investment.

    aggressive strategy

    Bonds 20% Canadian Equity 40% Foreign Equity 40%

    Managers AlphaFixe Capital, Carnegie, Fiera S